Want to save money and find low-cost insurance rates in Rancho Palos Verdes, CA? Rancho Palos Verdes drivers have many options when trying to find low-cost car insurance. You can either waste hours calling around getting price quotes or utilize the internet to get rate quotes. There is a better way to buy insurance and you need to know the proper way to price shop coverage for a and obtain the cheapest rates from Rancho Palos Verdes insurance agents and online providers.

Companies offering low-cost prices in Rancho Palos Verdes, CA

The car insurance companies shown below are ready to provide price comparisons in California. To locate cheap car insurance in California, we suggest you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Rancho Palos Verdes
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $1,168 $584 $97
Dodge Grand Caravan SXT $1,520 $760 $127
Dodge Ram Crew Cab ST 2WD $1,710 $855 $143
Ford Escape Limited 4WD $1,370 $685 $114
Ford F-150 XLT Regular Cab 4WD $1,084 $542 $90
Ford Focus SEL 4-Dr Sedan $1,630 $815 $136
GMC Sierra Denali Crew Cab 4WD $1,550 $775 $129
Honda Accord LX 4-Dr Sedan $1,452 $726 $121
Honda CR-V LX 2WD $1,102 $551 $92
Honda Civic DX 2-Dr Coupe $1,332 $666 $111
Jeep Wrangler Rubicon 4WD 2-Dr $1,168 $584 $97
Nissan Altima 2.5 S 2-Dr Coupe $1,410 $705 $118
Toyota Camry Hybrid $1,344 $672 $112
Toyota Corolla XRS $1,450 $725 $121
Toyota Prius $1,826 $913 $152
Toyota RAV4 Limited 2WD $1,168 $584 $97
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can impact auto insurance rates significantly.

Where to set your deductibles

One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The tables below may aid in understanding how much more you'll pay between high and low insurance deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $380 $686 $442 $26 $132 $1,691 $141
Malibu Hybrid $380 $686 $442 $26 $132 $1,691 $141
Malibu LT $430 $686 $442 $26 $132 $1,741 $145
Malibu LTZ $430 $810 $442 $26 $132 $1,865 $155
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Chevrolet Malibu insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $210 $362 $442 $26 $132 $1,172 $98
Malibu Hybrid $210 $362 $442 $26 $132 $1,172 $98
Malibu LT $238 $362 $442 $26 $132 $1,200 $100
Malibu LTZ $238 $426 $442 $26 $132 $1,264 $105
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle location which can alter premiums noticeably.

We can estimate from the data above that using a $100 deductible will cost in the ballpark of $46 more each month or $552 for a full year than selecting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average at least 20 months between claims, you would save more money if you choose the higher deductible.

Violations and accidents raise rates

The example below demonstrates how citations and at-fault collisions increase Ford Focus car insurance rates for different insured age categories. The data assumes a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Companies offer many discounts on insurance

Some companies do not list the entire discount list very clearly, so the list below details both the well known and the harder-to-find credits available to you.Discount insurance

It's important to note that most discount credits are not given to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

A few companies who may offer some of the discounts shown above include:

When getting free Rancho Palos Verdes car insurance quotes, it's a good idea to each company or agent how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your state.

Cheap coverage is out there

When getting Rancho Palos Verdes car insurance quotes online, you should never buy poor coverage just to save money. In too many instances, someone sacrificed physical damage coverage to discover at claim time they didn't purchase enough coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, policy non-renewal and even delays in responding to claim requests. Whatever your reason, choosing a new company is not as difficult as it may seem.

Throughout this article, we presented quite a bit of information on how to find cheaper coverage online. It's most important to understand that the more price quotes you have, the higher the chance of saving money. Drivers may even discover the most savings is with a company that doesn't do a lot of advertising.

To read more, feel free to browse the resources below: